iEx  IGtbriB 


SEYMOUR  DURST 


It'hen  you  leave,  please  leave  this  book 

Because  it  has  been  said 
" Ever  thing  comes  t'  him  who  waits 

Except  a  loaned  book." 


THE 

MUTUAL  LIFE 

INSURANCE  COMPANY  OF  NEW  YOEK. 


F.  S.  WINSTON,  President. 

  % 

144  &  146  Broadvv^ay,  New  York. 


The  Cash  Assets  of  this  Company  exceed 
SIXTY  MILLION  DOLLARS. 

Its  Investments  are  limited  by  its  Charter 

TO 

United  States,  and  New  York  State  and  City,  Stocks, 

AND  TO 

Bonds  and  Mortgages  on  nnincnmhered  Eeal  Estate 
worth,  in  every  case,  donhle  the  amount  loaned  thereon. 


April,  1873. 


The  Mutual  Lifk  Insurance  Company 
 OF  New  York.  


OmCERS. 


rSEDEEICZ  S.  WINSTOIT,  EICHASD  A.  licCU2D7, 

President.  Vice-President. 

JOHN  M.  BTDART,  W.  H.  C.  BARTLETT,  LL.D., 

Secretary.  Actuary. 
FRED-K  eCHROEDER.  LEWIS  C.  LAWTON, 

AsBistaiit  Secretary.  ABsiHtunt  Actuary. 

CHARLES  A.  HOPKINS.  Isaac  L.  Kip.  M.D., 

Cashier.  G-  S.  Wisstoh,  M.D., 

Medical  EzaminerB. 

BOARD  OF  TRUSTEES. 
Frederick  S.  Winston,  rn-sidf-nt  of  th.'  C.^inpany. 
luL  .loiiN  V.  L.  Pruyn,  Albauy,  N.  Y. 
^■ijCRT  II.  McCl-rdy. 


Pert  H.  mc*  crdy.  ,   ot..    t  r- 

Jac  (iRKEN  Pearson,  Vicc-Presidont  Relief  Fire  Insurance  Co. 
-tJartin  B.\tes,  of  Martin  Bates  &  (  «>. 
William  Hett.x,  LL.D.,  of  lietts  &  Kobinson. 
John  Wadsworth. 

Alfred  Kdwards.  .     ^  ,        ,  ^. 

Olivki»  H.  Palmer.  Vice-President  ^V  estern  L  nion  Telegraph  Co. 

SAMUEUJt.  Sproi  lls. 

SAMmcLlI.  Cornell,  CatskiU,  ^.  Y  . 

Li  «rs  iloBiNSON,  Klmira,  N.  Y. 

W."Smitii  IJROWN,  of  W.  S.  IJrown  <t  Co. 

Richard  Patrick,  Vice-President  Bank  .State  of  New  York. 

William  U.  Popmam.        ,  ^  ,  „  .      ,  ^ 

William  A.  Haines,  of  Halsted,  Ilaines  <t  Co. 

Ezra  Wheeler,  of  Ezra  Wheeler  &  Co  t>    ,   t>     i  i 

Skymol-R  L.  Hcsted,  President  Dime  Savings  Bank.  Brooklyn.. 

Samuel  D.  Babcock,  of  Bahcock  Bros.  <t  Co. 

David  Hoadley,  President  Manhattan  Iron  Co. 

Hknry  a.  Smythe,  President  N.  Y.  State  Loan  and  Trust  Co. 

Hon.  W.  E.  Dodge,  of  Phelps,  Dod-e  A  Co.  ,  t,  ^ 

George  S.  Coe,  President  American  Exchange  National  Bank. 

William  M.  Vermilye,  late  of  Vermilye  &  Co. 

John  E.  Develin. 

Alonzo  Child,  Tarrvtown,  New  York. 

Henry  E.  Davie.s,  late  Chief  Justice  Court  of  Appeals. 

Richard  A.  McCurdy,  Vice-President  of  the  Company. 

Francis  Skiddy,  ofSkiddy,  Minford  &Co. 

J.  Elliott  Condict,  of  J.  E.  Condict  &  Co 

James  C.  Holden,  of  Holden,  Hopkms  &  Stokes. 

Herman  C.  Van  Post,  of  Oelrichs  &  Co. 

George  C.  Richardson,  Boston,  Mass. 

Alexander  H.  Rice,  Boston,  Mass. 

W.  T.  Babcock,  San  Francisco,  Cal. 

F.  Ratchpord  Starr,  Philadelphia. 


The  Mutual  Life  Insurance  Company 
 OF  New  York.  


MONET  VALUE  IN  MEN. 


Men  of  wealth  and  of  leisure  derive  their  support  from 
interest  on  their  investments,  but  men  of  business,  what- 
ever the  extent  of  their  moneyed  possessions,  are  de- 
pendent for  success  upon  their  business  talents,  the  only- 
true  index,  in  a  commercial  point  of  view,  of  their  actual 
moneyed  value.  Their  bank  credit  rises  or  falls  irii^^ 
same  ratio  as  their  qualifications  for  the  business  in  which, 
they  are  engaged  are  developed.  Such  as  manifest  the 
greatest  shrewdness  in  trading  with  the  means  at  their 
disposal,  possess  the  largest  cash  capital  in  them- 
selves. 

All  that  a  man  earns  over  and  above  the  interest  on 
the  sum  at  his  disposal,  is  earned  by  his  capitalized 

SELF. 

If  he  be  worth  $10,000,  seven  per  cent,  interest  there- 
on would  yield  him  $700  annually;  but  if,  through  suc- 
cessful business  operations,  he  makes  his  $10,000  yield 
him  $10,000  a  year,  as  many  do,  the  man  is  just  as  much 
more  valuable  than  his  money,  as  the  $10,000  annual  in- 
come exceeds  the  $700  annual  interest.  There  is  far 
more  wealth  in  the  brain  than  in  the  purse. 


3 


The  Mutual  Life  Insurance  Company 
 ^OF  New  York.  • 

Every  good  business  mtin  insures  liis  jjropcrty  as  a 
matter  of  course.  11  is  own  sense  of  security,  no  less  than 
his  desire  to  keep  up  his  business  credit,  prompts  him  to 
do  so.  To  neglect  this  would  be  seriously  to  damage  hia 
commercial  reputation. 

As  in  Fire  Insurance,  so  in  Life  Insurance.  Those 
who  avail  themselves  of  its  advantages  furnish  proof 
of  their  forethought  and  sound  judgment,  and  thus 
strengthen  the  confidence  of  all  having  business  trans- 
a(^ns  with  them.  No  one  who  willingly  neglects  to 
(^vide  for  his  family  can  be  supposed  to  care  much  for 
his  creditors. 

A  shrewd  business  man  will  readily  see  that  it  is  much 
safer  and  better  for  him  to  transfer  a  portion  at  least  of 
the  risk  he  is  incurring  to  a  Life  Insurance  company 
willing  to  assume  it,  rather  than  to  retain  the  whole  of 
it  himself,  and  thus  remain  his  own  underwriter  for  the 
full  amount,  especially  in  view  of  the  large  actual  cash 
value  that  exists  in  his  business  capabilities^  which  are 
rendered  valueless  in  case  of  severe  sickness  or  death. 

Life  Insurance,  as  conducted  by  this  Company,  offers 
peculiar  inducements  to  men  of  business,  inasmuch  as  the 
premiums  paid  into  it  are  not  merely  an  expenditure  on 
their  part,  but  a  safe  and  desirable  investment.  The 
money  so  invested  is  kept  actively  employed  by  the  Com- 


4 


Tnu  ?,IuTUAL  Life  Insurance  Compant 
 or  New  York.  

pany  in  earning  money,  and  being  a  purely  "  Mutual " 
company,  in  the  strictest  sense  of  the  term,  its  large 
earning-!  belong  exclusively  to  the  insured;  among  whom 
the  surplus  is  annually  and  equitably  divided,  as  explained 
on  page  12. 

These  dividends,  if  applied  to  the  reduction  of  premi- 
ums, make  the  cost  of  insurance  in  this  Company  much 
lower  than  in  any  other  company,  whether  doing  busi- 
ness on  the  Mutual  or  on  the  Stock  plan.  In  proof  of 
this,  seepage  9.  ♦ 

Professional  men  arc,  v.'ith  but  few  exceptions,  sup- 
ported wholly  by  their  professions.  In  such  cases  the 
professional  talent  is  so  much  cash  capital,  the  value  of 
which  is  to  be  estimated  by  the  income  it  produces.  So, 
too,  is  it  with  the  mechanic,  whose  capital  is  in  his  inven- 
tive genius,  or  in  his  skillful  labor. 

To  all  who  are  in  good  health,  this  Company  is  the  best 
possible  kind  of  savings  institution.  If  the  insured  die 
soon  after  paying  his  premium,  which  amounts  to  but  a 
few  dollars,  the  thousands  of  dollars  for  which  the  policy 
was  issued  are  at  once  secured. 

It  is  quite  a  mistake  to  suppose  that  a  policy  in  this 
Company  would  prove  an  unprofitable  investment  were 
the  insured  to  live  to  pay  premiums  for  many  years. 


5 


The  Mutual  Life  Insurance  Company 
 OF  New  York.  

The  dividends  are  such  as  to  make  the  policy,  even  under 
these  circumstances,  a  good  investment,  as  is  explained 
on  page  7. 

By  allowing  the  dividends  of  this  Company  to  accumu- 
late, they  form  a  fund  upon  which  the  insured  can  at 
any  time  draw  in  payment  of  his  premium.  The  neces- 
sity of  making  a  cash  payment,  when  it  would  not 
be  convenient  to  do  so,  is  thus  avoided.  The  practical 
working  of  this  very  important  advantage  is  explained 
oj^pftfjc  17.  It  will  also  bo  seen,  by  reference  to  example 
^en  on  page  11,  to  what  extent  this  dividend  fund  may 
accumulate. 


The  Mutual  Life  Insurance  Company 
 OF  isEW  York.  


AN  insurance  in   THIS   COMPANY   IS  A  GOOD  INVEST- 
MENT, 

Should  the  insured  live  to  pay  premiums  for  many 
years,  the  investment  would  be  a  desirable  one. 

PoUcy  No.  7504, 

Bated  October  6, 1849,  on  the  life  o/ Allax  Melville,  of  Sew  York  City. 


In  force  23  years. 

The  original  amount  of  this  policy  was  $5,000  00 

The  dividend  additions  were   3,785  06 

Amount  paid  by  this  Company,  $8,785  00 

Dividends  paid  by  Company  as  above  $3,785  00 

Total  amount  of  premiums  paid  on  this  policy   2,426  50 


Dividends  exceeded  premiums  by  $1,358  50 

These  dividends  amount  to  looy^Q-  per  cent,  of  all  the 
premiums  paid.  In  addition  to  which  the  Company 
paid  the  $5000  for  which  policy  was  issued. 

Policy  No.  51,935, 

Dated  September  25,  1866,  on  the  life  of  Marc  C.  Cheneviere,  of  New 
York  City.   In  force  5  years. 

The  original  amount  of  this  policy  was  $5,000  00 

The  dividend  additions  were   507  72 

Amount  paid  by  this  Company,  $5,507  72 

The  five  annual  premiums  of  $118.20  each  on  this 
policy  amounted  in  all  to  $591.00,  which  yielded  the 
above  amount  of  $5507.72,  or  nearly  ten  times  the 
SUM  invested. 


7* 


TuE  Mutual  Life  Insukaxce  Company 
 OF  New  York.  


LIVING  WITNESSES 

of  the  value  of  as  insurance  in  this  company. 

(Published  by  permission  of  those  named.) 

Policy  No.  3. 

Hezron  a.  Johnson,  Broker,  Xew  York  City. 

Amounl^OOO.    Dated  Jibruary  2,  IMS.    Annual  Premium,  %WZ. 

30  annual  preniiuius  puid  amounting  to  83,060  00 

The  dividend  additions  lo  this  policy  are   5,GG3  23 

Which  is  $2603.23  more  than  all  the  premiams  paid. 

Original  amount  of  policy  S5,000  00 

Dividend  additions   5,663  23 

Present  amount  of  policy,  810,663  23 

Which  is  $7603.23  more  than  all  the  premiums  paid. 

At  6  per  cent,  compound  interest,  the  premiums  paid 

amount  to  88,547  77 

Profit  to  insured  over  and  above  premiums  and  compound   

interest  thereon  82,115  46 


PoUcy  No.  6764. 

Francis  S.  Lathrop,  President  Union  Mutual  Insur- 
ance Company,  New  York  City. 

Amxmnt  88,000.   Dated  June  2,  1849.    Annual  Premium,  $280.80. 

24  annual  premiums  paid  86,739  20 

The  dividend  additions  to  June  2,  1873,  are   8,479  24 

Which  is  $1740.04  more  than  all  the  premiums  paid. 

Original  amount  of  policy  $8,000  00 

Dividend  additions   8,479  24 

Present  amount  of  policy,  816,479  24 

Which  is  $9740.04  more  than  all  the  premiums  paid. 


8* 


The  Mutual  Life  Iksuraxce  Company 
 OF  New  York.  


this  company's  dividends  reduce  its  rates  of 
premiums. 

PoUcy  No.  46,958. 

Benjamin  C.  Townsend,  Nevr  York  City. 

Amount  S10,000.   Baled  May  16,  1866.   Annual  Premium,  S435.40. 

Total  premiums  paid  in  7  years  S3,047  80 

Cash  dividends  used  towards  payment  of  premiums   1,077  41 

Total  net  cost  to  the  insured,  Sl,970  39 
The  annual  cash  dividends  have  averaged  So-^^  per 
cent,  of  the  annual  premiums. 

Average  cost  per  SlOOO  for  each  year  has  been  S28  15 

The  rate  for  the  same  in  leading  stock  companies  is   33  85 

Mr.  Benjamin  C.  Townsend  is  one  of  the  many  policy- 
holders of  this  Company  who  have  taken  additional 
insurance  in  it.  Hundreds  of  letters  have  been  received 
from  professional  men,  business  men,  mechanics,  and 
others,  insured  ia  this  Company,  containing  such  ex- 
pressions as  these :  "  Highly  pleased  with  the  wise, 
prudent,  and  economical  management  of  the  Company." 
"  I  am  perfectly  satisfied  with  my  dividends.  They  are 
larger  than  I  was  told  I  could  expect."  "I  also  hold 
policies  taken  at  same  time  in  three  other  leading  com- 
panies. The  dividends  in  this  are  much  larger,  and  the 
annual  cost  to  me  less  than  in  any  other  company."  "I 
hold  now  three  policies  of  $5000  each  in  this  Company, 
and  shall  take  another  as  soon  as  I  am  able."  "  I  am 
entirely  satisfied  with  the  results,  and  till  I  have  the  full 
limit  of  $30,000,  allowed  by  the  Company's  rules,  I  shall 
never  insure  elsewhere,"  &c.,  &c. 


9* 


The  Mutual  Life  Insurance  Company 
 OF  New  York.  


PoUcy  No.  28,025. 

Julius  Ives,  Jr. 

Policy  in  force  10  years.    Dividends  drawn  each  year. 

Amount^QW).    Baled  February  13,  18GZ.    Annual  Premium,  $102.^^'). 

Total  premiums  paid  in  10  years  81,023  .)0 

Cash  dividends  used  in  payment  of  premiums   380  47 

Total  net  cost  to  the  insured,  $643  03 

The  annual  cash  dividends  have  averaged  37^^^  per 
cent,  of  the  annual  premiums. 

The  cash  dividend  for  the  year  ending  February  13, 
1873,  was  $41.69,  which  was  AO^j^  per  cent,  of  the  annual 
premium. 

PoUcy  No.  44,694. 

Policy  in  force  7  years.   No  dividends  drawn. 

Platt  K.  Dickinson,  New  York  City. 

Amount  $10,000.    Doled  March  19,  1866.    Annual  Premium,  $198.90. 

Total  premiums  paid  in  7  years  81,392  30 

Total  cash  dividends   553  62 

The  annual  cash  dividends  have  averaged  39^^^  per 
cent,  of  the  annual  premiums  paid. 

The  cash  dividend  for  year  ending  March  19,  1873. 
was  $83.60,  which  is  42  per  cent,  of  the  annual  premium. 

The  dividend  additions  on  this  policy  amount  to 
$1835.14. 


The  Mutual  Life  Insurancb  Company 
 OF  Xew  York.  


PoUcy  No.  129,678. 

First  Year's  Dividend. 

Andrew^  Barstow,  New  York  City. 

AmourU  $10,000.    Dated  March  25,  1872.    Annual  Premium,  $220.70. 

Premium  paid  March  25,  1872  §220  70 

Cash  dividend  March  25,  1873   66  32 

Cash  dividend  at  end  of  first  year,  30  per  cent,  of  the 
premium. 

If  not  drawn  in  cash  towards  payment  of  the  second 
annual  premium,  this  year's  dividend  would  add  to  the 
policy  (in  paid-up  insurance),  $199.11,  which  is  90  per 
cent,  of  the  premium. 

The  following  illustration  shows  that  the  Dividend 
System  of  this  Company  is  preferable  to  the  "  Return 
Premium  "  plan  of  other  companies,  especially  as  they 
charge  an  increased  rate  of  premium  on  that  kind  of 
policies. 

PoUcy  No.  14,470, 

Dated  April  12, 1855,  on  the  lije  of  (he  late  Hon.  Horace  Greeley. 

The  original  amount  of  this  policy  was  S8,000  00 

The  dividend  additions  were   6,296  09 

Amount  paid  by  this  Company  in  1872,  S14,296  09 

The  eighteen  annual  premiums  of  $293.04  each  paid 
on  this  policy  amounted  to  $5274.72,  all  of  which, 
together  with  the  surplus  of  $1,021.37  was  returned  by 
this  Company,  in  addition  to  the  $8000  insured.  In 

OTHER  WORDS  THE  DIVIDENDS  MORE  THAN  RETURNED 
ALL  THE  PREMIUMS  THAT  HAD  BEEN  PAID. 


The  Mutual  Life  Insurance  Company 
 —or  New  York.  


A  LL  of  the  foregoing  oxamplos  arc  from  policies  issued 
by  this  Company.    By  comparing  them  with  the 
results  of  policies  of  other  companies,  it  will  be  seen  that 
this  Company  has  done  much  better  than  any  other. 
This  is  chiefly  accounted  for  as  follows: 

1.  It  is  a  purely  "Mutual"  Company;  not  partially  so, 
nor  merely  nominally  so,  as  is  the  case  with  many 
companies.  The  whole  of  its  large  profits,  and  sur- 
plus from  every  source,  is  therefore  divided,  and  in 
the  most  equitable  manner,  among  its  policy-holders, 
who  have  entire  control  of  its  business,  and  to  whom 
its  funds  exclusively  belong. 

This  Company  never  having  had  one  dollar  of  cap- 
ital, there  arc  no  stockholders  to  absorb  the  whole,  or 
any  part  of  its  income,  as  is  the  case  with  most  of 
the  other  Life  Insurance  companies,  some  of  which 
are  doing  business  on  what  is  known  as  the  "stock" 
plan,  and  some  on  the  "mixed"  plan.  The  latter 
distribute  but  a  portion  of  their  earnings  to  their 
insured,  though  in  many  cases  they  style  themselves 
"mutual"  companies. 

In  Life  Insurance  the  "reserve,"  not  the  capital, 
furnishes  the  requisite  security.    No  company  ia 


The  Mutual  Life  Insurance  Company 
 OF  New  York.  ■ 

the  world  has  capital  enough  to  protect  its  policy- 
holders, nor  is  capital  needed  where  there  is  a  suffi- 
cient "reserve."  The  surplus  of  this  Company  is, 
each  year,  greatly  in  excess  of  the  cash  capital  of 
any  other  Life  Insurance  company  in  this  country. 
The  "reserve"  is  the  fund  at  interest,  from  which 
the  policies  are  paid  as  they  become  claims. 

2.  Its  great  strength,  as  shown  in  the  amount  and  char- 
acter of  its  investments. 

Its  assets,  (April,  1873,)  amount  to  over  sixty 
millions  of  dollars,  which  not  only  exceed  those 
of  any  other  company  in  the  world,  but  which  are 
increasing,  from  year  to  year,  more  rapidly  than 
in  any  other.  This  increase  shows  that  ample  pro- 
vision is  being  made  to  meet  accumulating  liabilities, 
and  also  that  comparatively  few  policies  are  allowed 
to  lapse,  thereby  proving  that  the  insured  are  thor- 
oughly satisfied. 

The  investments  of  this  Company  are  restricted 
by  its  charter,  and  are  such  that  they  can,  at  any 
time,  be  readily  converted  into  their  full  cash  value. 
They  are  also  so  completely  under  the  oversight  of 
the  Trustees  of  the  Company,  that  any  danger  of 
loss,  by  depreciation  in  value  or  otherwise,  will  at 
once  be  seen  and  guarded  against.  The  interest  is, 
therefore,  easily  and  promptly  collected,  thus  secur- 


13 


Thb  Mutual  Life  Insurance  Company 
 OF  New  York.  ■  • 

ing  "  interest  upon  interest,"  so  jire-erninently  e.sscu- 
tiul  in  Life  Insurance. 

3.  Its  premiums  and  reserves  are  both  calculated  upon 

a  basis  of  four  per  cent,  expected  interest,  instead  of 
four  and  a  half  per  cent,  or  six  per  cent.,  as  is  the 
case  in  most  companies.  The  difff-rence  between 
this  four  per  cent,  and  the  interest  actually  realized, 
furnishes  that  much  larger  margin  for  socurity  and 
profit  to  those  insured  in  this  Company. 

4.  Low  rate  of  mortality  among  its  members.    The  con- 

servative and  careful  management  of  this  Company 
is  shown  by  the  fact  that  the  dealli  claims  have  been 
only  three-fourths  of  the  amount  anticipated,  and 
for  which  provision  had  been  made. 

Life  Insurance  tables  are  based  upon  the  average 
duration  of  not  less  than  ten  thousand  lives;  hence 
no  company,  having  in  force  a  smaller  number  of 
risks  than  that,  has  any  safe  or  proper  basis  upon 
which  to  ascertain  its  true  condition. 

5.  Economy  in  conducting  its  business.  By  the  last 
published  report  (1872)  of  the  Insurance  Commis- 
sioner of  Massachusetts,  it  is  shown  that  the  average 
ratio  of  gross  expenses  to  gross  receipts  of  all  the 
companies  doing  business  in  that  State  was  IS/^"^ 
per  cent.  In  this  Company  it  was  only  Tj^cr  P^^ 
cent.,  which  was  below  that  of  any  other. 


The  Mutual  Life  Insurance  Company 
 OF  New  York.  


The  same  report  shows  that  the  ratio  of  expenses 
in  purely  "mutual  "  companies  averages  much  below 
that  of  either  the  "mixed"  or  "stock"  companies. 
They  average,  in  that  report,  as  follows  : 

In  the  thirteen  "mutual  "  companies 

doing  business  in  Massachusetts,  .  IS^y^  per  ct. 

In  the  thirty-seven  "mixed"  com- 
panies doing  business  in  Massachu- 
setts,  30j^„2^  per  ct. 

In  the  four  '  <  stock  ' '  companies  doing 

business  in  Massachusetts,  .    .    .  2,9^^^^  per  ct. 

The  total  expenses  of  this  Company  during  the 
whole  thirty  years  of  its  existence  have  been  less 
than  ten  per  cent,  of  its  receipts. 

6.  Large  cash  dividends  to  its  policy-holders.  This 
Company  has  returned  in  dividends  to  its  policy- 
holders over  twenty-eight  millions  of  dollars.  These 
dividends  are  not  only  much  larger  in  the  aggregate 
than  those  of  any  other  company  in  the  world — 
[exceeding  those  of  all  other  companies  in  the  United 
States  combined,  excepting  three) — but  are  also  larger 
in  individual  cases.  As,  for  example,  every  man 
aged  thirty  years,  who  took  out  an  ordinary  life- 
policy  in  this  Company  last  year  (1872)  receives 
this  year  (1873)  a  cash  dividend  of  over  twenty- 


's 


The  Mutual  Life  Insurance  Company 
 OF  New  York.  

nine  jici'  cent,  of  tin;  Jiiimial  {jrcniiuins  piiid  by  him. 
Seepage  11. 

Those  insurod  in  this  Company  can  use  tlu  ir  divi- 
dends in  payment  of  their  second  ycav's,  premiums, 
and  annually  thereafter.  Every  policy  of  this  Com- 
pany, whether  "piiid-up"  or  otherwise,  participates 
in  its  dividends. 

The  magnitude  of  the  dividends  of  this  Company 
is  owing  to  its  careful  and  economical  management. 
Were  it  less  economically  conducted,  such  large 
dividends  could  not  })ossibly  be  paid. 

7.  Lessening  the  cost  of  Insurance.  The  statements 
given  above  explain  why  an  insurance  in  this  Com- 
pany costs  less,  for  a  term  of  years,  than  in  any 
other  company  in  the  world.    See  page  9. 


i6 


The  Mutual  Life  iNsur.Ai.'CE  Compa>-y 
 or  New  Tor.::i.  


DESOEIPTIOIT  OF  POLICIES. 

All  policies  issued  by  this  Company,  whether  con- 
tinued-payment or  paid-up  policies,  participate  annually 
in  the  profits. 

These  are  equitably  distributed  as  dividends  among  all 
classes  of  policies,  and  may  be  used  as  cash  towards  pay- 
ment of  the  second  year's  premiums,  and  annually  there- 
after. Or  they  may  be  used  in  the  purchase  of  additional 
insurance,  payable  with  the  original  policy.  Such  divi- 
dend additions  also  participate  in  future  dividends,  and 
may  at  any  time  be  re-converted  into  cash  to  be  used 
towards  payment  of  premiums. 

On  paid-up  policies  the  dividends  may  be  drawn  an- 
nually in  cash. 

No  policy  issued  by  this  Company,  whether  on  the 
ordinary  plan,  or  on  ten-year  and  other  term  plans,  need 
be  forfeited.  The  Company  will,  if  application  is  made 
in  due  time,  purchase  any  policy  that  has  been  in  force 
two  years  or  more,  and  give  therefor  its  equitable  cash 
value  or  an  equivalent  paid-up  policy.  All  term-pay- 
ment and  endowment  policies  have  this  paid-up  value 
guaranteed  in  the  policies,  and  on  such  policies  a  cash 
surrender  value  will  be  paid  after  they  have  been  in 
force  one  year. 

[Policies  on  life  of  a  husband  or  father  in  favor  of 
wife  or  minor  children,  cannot  by  law  be  surrendered, 


The  Mutual  Life  Insurance  Company 
•  OF  New  York.  

transferrod,  or  alionatod  in  any  way  wliatcver,  oither 
with  or  without  the  consent  of  the  wife.  Such  policies 
can,  however,  be  exchanged  for  their  value  in  j)aid-up 
policies  in  favor  of  the  same  parties.] 

To  meet  the  choice  of  such  as  may  prefer  to  have  the 
amount  of  policy  paid  to  their  widows  or  heirs  in  annual 
or  semi-annual  instalments  for  a  specified  number  of  from 
five  to  twenty-five  years,  rather  than  in  one  sum,  this 
Company  will  issue  policies  guaranteeing  such  payments. 
Existing  policies  may,  if  desired,  be  converted  at  any 
time  into  such  "Instalment  Policies."  These  deferred 
payments  or  annuities  will,  if  so  requested,  be  made  in- 
alienabh;  by  the  beneficiaries,  and  will,  until  all  pay- 
ments are  completed,  participate  in  the  annual  dividends 
of  the  Company. 

The  practical  working  of  the  "Tontine  "  system  of  in- 
surance having  proved  highly  inequitable  and  injurious 
to  the  interests  of  those  insured  on  that  plan,  this  Com- 
pany has  discontinued  the  issue  of  such  policies. 

LIFE  POLICIES. 

These  are  policies  by  which  the  Company  agrees  to 
pay  a  specified  sum  of  money  sixty  days  after  acceptance 
of  satisfactory  proof  of  the  death  of  the  person  whose  life 
is  insured.  This  amount  to  be  paid  to  wife,  children, 
heirs,  or  assigns,  as  directed. 

For  such  policies  applicants  may  pay  the  premiums  in 
either  of  the  following  ways  : 


The  Mutual  Life  Insurance  Company 
 OF  ISTew  York.  


By  annual  payments  during  life.    See  page  21. 

By  annual  payments  for  five,  ten,  fifteen,  or  twenty 
years.    See  page  21. 

By  a  single  payment.    See  page  21. 

If  preferred,  the  premiums  can  be  paid  half  annually 
or  quarter  annually  by  the  additional  payment  of  a  small 
extra  charge  for  interest,  &c. 

Bates  for  Half  Annual  Premiums,  on  page  22. 
Eatea  for  Quarter  Annual  Premiums,  on  page  23. 

ENDOWMENT  POLICIES. 

By  these  policies  the  Company  agrees  to  pay  a  speci- 
fied sum  of  money  at  the  end  of  five,  ten,  fifteen,  twenty, 
twenty-five,  thirty,  or  thirty-five  years,  if  the  person  in- 
sured lives  so  long,  or,  if  he  die  before  that  time,  sixty 
days  after  acceptance  of  satisfactory  proof  of  his  death. 

For  such  policies  applicants  may  pay  the  premiums 
annually,  half  annually,  or  quarter  annually, 

During  the  continuance  of  the  policy.  Seepages  24, 25, 26. 

During  five  or  ten  years  only.    See  pages  27  to  32. 

By  a  single  payment.    See  page  SS. 

children's  ENDOWMENT  POLICIES. 

These  are  policies  payable  only  when  a  child  attains 
the  age  of  eighteen,  twenty-one,  or  twenty-five  years, 
with  or  without  the  return  of  all  premiums  that  have 
been  paid  in  case  the  child  dies  before  reaching  the 
specified  age.  The  premiums  on  these  policies  can  be 
paid  annually,  half  annually,  or  quarter  annually. 

Rates  for  Annual  Premiums,  on  page  34. 


19 


TuE  Mutual  Life  Insurance  Company 
 OF  New  York.  


BATES. 


Hates  are  always  cluirg.'d  uccordin;;  to  the  age  at  the 
nearest  birthday.    No  contracts  r.re  made  with  minors. 

The  rates  given  in  the  tables  are  for  each  $1000  of  in- 
surance. The  rates  for  other  amounts  from  $200  to 
$30,000  are  in  the  same  proportion. 

An  extra  rate  of  $5  for  every  $1000  of  insurance  is 
charged  on  lives  of  females  under  forty-eight  years  of  age. 
Not  over  $i500  insured  on  life  of  any  female. 

Engineers,  firemen,  brakemcn,  railroad  conductors, 
miners,  sailors,  and  those  engaged  in  other  extra  hazard- 
ous occupations,  are  not  insured  by  this  Company.  Offi- 
cers of  the  army  and  navy  are  insured  at  the  regular  table 
rates,  but  they  are  liable  to  extra  charge  when  engaged 
in  war  service,  or  when  located  in  unhealthy  climates. 

For  the  first  policy  issued  on  the  life  of  any  person  a 
policy  fee  of  $1  is  always  charged.  No  fee  is  charged 
for  subsequent  policies  on  same  life. 

The  premiums  for  the  first  year  must,  on  all  policies,  be 
paid  in  full  in  cash ;  for  the  second  and  all  subsequent 
years  the  premiums  may  be  reduced  by  use  of  the  divi- 
dends. 


20 


The  Mutual  Life  Insurance  Company 
 OF  New  York.  


PREMIUM  RATES  FOR  AN  INSURANCE  OF  $1000. 

Other  amounts,  from  $200  to  $30,000,  in  same  proportion. 
LIFE  POLICIES,  PAYABLE  AT  DEATH  ONLY. 


ANNUAL  PAYMENTS. 


Age. 

For  Life. 

For 
20  years. 

For 
16  years. 

For 
10  years. 

For 
6  years. 

Payment. 

Age. 

20  to 

$42 

20  to 

25 

Sl9 

89 

$27 

39 

S32 

34 

56 

$73 

87 

$326 

58 

25 

26 

20 

40 

27 

93 

32 

97 

43 

37 

75 

25 

332 

58 

26 

27 

20 

93 

28 

50 

33 

62 

44 

22 

76 

69 

338 

83 

27 

28 

21 

48 

29 

09 

34 

31 

45 

10 

78 

18 

345 

31 

28 

29 

22 

07 

29 

71 

35 

02 

46 

02 

79 

74 

352 

05 

29 

30 

22 

70 

30 

36 

35 

76 

46 

97 

81 

36 

3-59 

05 

30 

31 

23 

35 

31 

03 

36 

54 

47 

98 

83 

05 

366 

33 

31 

32 

24 

05 

31 

74 

37 

35 

49 

02 

84 

80 

373 

89 

32 

33 

24 

78 

32 

48 

38 

20 

50 

10 

86 

62 

381 

73 

33 

34 

25 

56 

33 

26 

39 

09 

51 

22 

88 

52 

389 

88 

34 

35 

26 

38 

34 

08 

40 

01 

52 

40 

90 

49 

SOS 

34 

35 

36 

27 

25 

34 

93 

40 

98 

63 

63 

92 

64 

407 

11 

36 

37 

28 

17 

b5 

83 

42 

00 

54 

91 

94 

67 

416 

21 

37 

38 

29 

15 

36 

78 

43 

06 

56 

24 

96 

89 

425 

64 

38 

39 

30 

19 

37 

78 

44 

17 

57 

63 

99 

19 

435 

42 

39 

40 

31 

30 

38 

83 

45 

33 

69 

09 

101 

59 

445 

65 

40 

41 

32 

47 

39 

93 

46 

56 

60 

60 

104 

08 

456 

04 

41 

42 

33 

72 

41 

10 

47 

84 

62 

19 

106 

66 

466 

89 

42 

43 

35 

05 

42 

34 

49 

19 

63 

84 

109 

34 

478 

11 

43 

44 

36 

46 

43 

64 

50 

61 

65 

57 

112 

13 

489 

71 

44 

45 

37 

97 

45 

03 

52 

11 

67 

37 

115 

02 

601 

69 

45 

46 

39 

58 

46 

50 

53 

68 

69 

26 

118 

02 

514 

04 

46 

47 

41 

30 

48 

07 

55 

35 

71 

25 

121 

15 

526 

78 

47 

48 

43 

13 

49 

73 

57 

10 

73 

32 

124 

38 

539 

88 

48 

49 

45 

09 

61 

50 

58 

95 

76 

49 

127 

74 

553 

33 

49 

50 

47 

18 

63 

38 

60 

91 

77 

77 

131 

21 

667 

13 

60 

51 

49 

40 

55 

38 

62 

98 

80 

14 

134 

80 

681 

24 

51 

62 

51 

78 

57 

51 

65 

16 

82 

63 

138 

51 

595 

66 

62 

53 

54 

31 

59 

79 

67 

47 

85 

22 

142 

34 

610 

36 

63 

54 

57 

02 

62 

22 

69 

91 

87 

94 

146 

30 

625 

33 

54 

55 

59 

91 

64 

82 

72 

50 

90 

79 

150 

38 

640 

54 

65 

56 

G3 

00 

67 

60 

75 

26 

93 

78 

154 

60 

655 

99 

66 

67 

66 

29 

70 

59 

78 

18 

96 

91 

158 

94 

671 

64 

57 

68 

69 

82 

73 

78 

81 

30 

100 

21 

163 

43 

687 

48 

58 

69 

73 

60 

77 

22 

84 

63 

103 

68 

168 

07 

703 

49 

69 

60 

77 

63 

80 

91 

88 

19 

107 

35 

172 

87 

719 

65 

60 

61 

81 

96 

84 

88 

91 

99 

111 

23 

177 

83 

735 

92 

61 

62 

86 

58 

89 

16 

96 

06 

115 

32 

182 

95 

752 

26 

62 

63 

91 

54 

93 

76 

100 

43 

119 

66 

188 

26 

768 

67 

63 

64 

96 

86 

98 

73 

105 

12 

124 

28 

193 

77 

786 

10 

64 

65 

102 

55 

104 

10 

110 

16 

129 

18 

199 

48 

801 

52 

65 

Single 


21 


The  Mutual  Life  Insurance  Company 

 OF  New  Yokk.  

PEEMIUM  RATES  FOR  AN  INSURANCE  OF  $1000. 

OtlicT  iiinouiitH,  fioiii  $2W  to  $:'Ji),im.  iii  Hainc  proj-ortion. 
LIKK  I'OLICIKS  PAYABLE  AT  DEATH  ONLY. 


HALF-ANNUAL  PAYMENTS. 


Age. 

For  Life. 

For 
SO  yean. 

For 
IS  jreara. 

For 
10  years. 

For 
syeara. 

Age. 

25 
2G 
27 
28 
29 

SIO  35 
10  61 

10  89 

11  17 
11  48 

?14  24 
14  53 

14  82 

15  13 
15  45 

?1G  82 
17  14 
17  48 

17  84 

18  21 

822  13 

22  5G 

23  00 
23  44 
23  93 

m  41 
39  13 

39  88 

40  65 

41  46 

20  to 
25 
26 
27 
28 
29 

30 
31 
32 
33 
34 

11  80 

12  14 

12  50 

12  89 

13  29 

15  78 

16  14 
16  50 

16  h9 

17  30 

18  GO 
I'J  00 

19  42 

19  86 

20  :i3 

24  43 

24  95 

25  49 

26  05 
26  64 

42  30 

43  19 

44  10 

45  04 

46  03 

30 
31 

32 
33 
34 

35 
3G 
37 
38 
39 

13  72 

14  17 

14  65 

15  16 
15  70 

17  72 

18  17 

18  63 

19  13 
19  64 

20  81 

21  31 

21  84 

22  39 
22  97 

27  25 

27  89 

28  56 

29  25 
29  97 

47  05 

48  12 

49  23 

50  38 

51  58 

35 
36 
37 

38 
39 

40 
41 
42 
43 
44 

16  28 

16  89 

17  54 

18  23 
18  96 

20  19 

20  7G 

21  37 

22  01 
22  70 

23  57 

24  21 

24  88 

25  58 

26  32 

30  73 

31  51 

32  34 

33  20 

34  10 

52  83 

54  12 

55  47 

56  S5 
58  31 

40 
41 
42 
43 
44 

45 
46 
47 
48 
49 

19  75 

20  58 

21  48 

22  43 

23  45 

23  42 

24  18 

25  00 

25  83 

26  78 

27  10 

27  92 

28  78 

29  69 

30  66 

3.5  04 

36  02 

37  05 

38  13 

39  26 

59  81 
61  37 

63  00 

64  68 
66  43 

45 
46 
47 
48 
49 

50 
51 
52 
53 
51 

24  54 

25  69 

26  93 

28  24 

29  65 

27  76 

28  80 

29  91 
iil  09 
32  36 

31  67 

32  75 

33  88 

35  08 

36  35 

40  44 

41  68 

42  96 

44  32 

45  73 

68  23 
70  10 
72  02 
74  01 
76  07 

50 
51 
52 
53 
54 

5> 
5G 
57 
58 
59 

31  16 

32  76 
34  47 
36  30 
38  27 

33  71 
•i5  15 
36  70 
38  37 
40  15 

37  70 

39  13 

40  65 
42  28 
44  01 

47  21 

48  77 
50  40 

52  11 

53  91 

78  20 
80  39 
82  65 
84  98 
87  40 

55 
56 
57 
58 
59 

60 
61 
62 
63 
64 

40  37 
42  G2 
45  02 
47  60 
50  37 

42  07 
44  14 
46  36 
48  76 
51  34 

45  86 
47  84 
49  95 
52  22 
54  66 

55  82 
57  84 
59  97 
62  23 
64  63 

89  89 
92  47 
95  14 
97  90 
100  76 

60 
61 
62 
63 
64 

65 

53  33 

54  13 

57  28 

67  19 

103  73 

65 

22 


The  Mutual  Life  Insurance  Company 

 OF  New  York.  

PREMIUM  RATES  FOR  AN  INSURANCE  OF  $1000. 

Other  amounts,  from  §200  to  $30,000,  in  same  proportion. 
LIFE  POLICIES  PAYABLE  AT  DEATH  ONLY. 


QUARTER- ANNUAL  PAYMENTS. 


Age. 

For  Life. 

For 
20  jears. 

For 
15  years. 

}■  or 
10  years. 

For 
5  yean. 

Age. 

20  to 

20  to 

25 

$5  28 

§7  26- 

$8  57 

811  28 

§19  58 

25 

26 

5  41 

7  40 

8  74 

11  50 

19  94 

26 

27 

5  55 

7  55 

8  91 

11  72 

20  32 

27 

28 

5  70 

7  71 

9  09 

11  95 

20  72 

28 

29 

5  85 

7  87 

9  28 

12  20 

21  13 

29 

30 

6  01 

8  04 

9  48 

12  45 

21  56 

30 

31 

6  19 

8  22 

9  68 

12  72 

22  01 

31 

32 

6  37 

8  41 

9  90 

12  99 

22  47 

32 

33 

6  57 

8  61 

10  12 

13  28 

22  95 

33 

34 

6  77 

8  81 

10  36 

13  58 

23  46 

34 

35 

6  99 

9  03 

10  60 

13  89 

23  98 

35 

36 

7  22 

9  26 

10  86 

14  22 

24  52 

36 

37 

7  47 

9  50 

11  13 

14  55 

25  09 

37 

38 

7  73 

9  75 

11  41 

14  90 

25  08 

38 

39 

8  00 

10  01 

11  70 

15  28 

26  29 

39 

40 

8  29 

10  29 

12  01 

15  66 

26  92 

40 

41 

8  60 

10  58 

12  35 

16  06 

27  58 

41 

42 

8  94 

10  89 

12  68 

16  48 

28  27 

42 

43 

9  29 

11  22 

13  04 

16  92 

28  98 

43 

44 

9  66 

11  57 

13  41 

17  38 

29  72 

44 

45 

10  06 

11  93 

13  81 

17  86 

30  48 

AK 
40 

46 

10  49 

12  32 

14  23 

18  36 

31  28 

46 

47 

10  95 

12  74 

14  67 

18  88 

32  10 

47 

48 

11  43 

13  18 

15  13 

19  43 

32  96 

48 

49 

11  95 

13  65 

15  62 

20  00 

33  85 

49 

50 

12  50 

14  15 

16  14 

20  61 

34  77 

fin 

51 

13  10 

14  68 

16  09 

21  24 

35  72 

f;i 

OL 

52 

13  72 

15  24 

17  27 

21  90 

36  70 

52 

53 

14  39 

15  84 

17  88 

22  58 

37  72 

53 

54 

15  11 

16  49 

18  53 

23  30 

38  77 

54 

55 

15  88 

17  18 

19  21 

24  06 

39  85 

55 

56 

16  70 

17  91 

19  94 

24  85 

40  97 

56 

57 

17  57 

18  71 

20  72 

25  68 

42  12 

57 

58 

18  50 

19  55 

21  54 

26  55 

43  31 

58 

59 

19  50 

20  46 

22  43 

27  47 

44  54 

59 

60 

20  57 

21  44 

23  37 

28  45 

45  81 

60 

61 

21  72 

22  49 

24  38 

29  48 

47  12 

61 

62 

22  94 

23  63 

25  46 

30  56 

48  48 

62 

63 

24  26 

24  So 

26  61 

31  71 

49  89 

63 

64 

25  67 

26  16 

27  86 

32  94 

51  05 

64 

65 

27  18 

27  59 

29  19 

34  24 

52  86 

65 

as 


The  Mutual  Life  Insurance  Compaxy 
  OF  New  York.  


PEEMITJM  EATES  FOE  AN  IN8UEANCE  OF  $1000. 

other  amouiiU.  from  $2U0  to  $30,000,  in  same  proiK.rtion. 
EKDOWMKN  r  l'(JLI(  IKS  r.VYAnLE  A.S  INDICATED  OU  AT  DKATil  IF  PBIOE. 

CONTIXUED  ANXUAL  PAYMEXT8. 


Age. 

20  to 
25 
26 
27 
28 
29 


50 
51 
52 
53 
54 

55 
56 
57 
58 
59 

60 
61 
62 
63 
64 


S26  33 
26  57 

26  83 

27  11 
27  42 

27  76 

28  13 
28  54 

28  98 

29  46 


26  yrt. 


Id 


Id 


Id 
10  Jean. 


lu 
5  jean. 


?30  61  S37  17  S47  68  $66  02  ?103  91  ?219  95  | 

30  80   37  :i4   47  8J  G6  15  !  104  03     220  Oo  \ 

31  02  37  52  47  98  66  29  I  104  16  220  17 
31  2.5  37  72  48  15  66  44  ,  104  29  220  29 
31  50'  37  921  48  33  66  60     104  43    220  41 


31  78  38  16'  48  53' 

32  09  38  4i;  48  74 
32  43   38  69 1  48  97 

32  79   38  98  49  22 

33  19i  39  31  49  491 


30  00    33  63 

30  5S    :u  11 

31  22    34  64 

31  93  I  23 

32  70  j  35  88 

33  55 


39  68' 

40  07, 
40  50, 

40  98. 

41  52. 


36  59  42  10 

37  3S  42  75 

38  21  43  47 

39  19  ,  44  26 

40  23  45  12 


41  37 


46  08 

47  15 

48  32 

49  61 

51  04^ 

52  60 


49  79 

50  ir 

50  47 

50  86 

51  30 

51  78 

52  31 

52  891 

53  54' 
5i  25| 

.5.5  04 

55  91 1 

56  89 

57  96 

59  15 

60  45 

61  90 
63  48 
65  22 
67  14 

69  24 


66  77 

66  96 

67  16 
67  36 
67  60 

67  85 

68  12 
68  41 
68  73 


69  49 

69  92 

70  40 

70  92 

71  50 

72  14 

72  86 

73  66 

74  54 

75  51 

76  59 

77  77 

79  07 

80  51 

82  09 

83  82 
85  73 
87  84 
90  15 
92  70 

95  50 


104  58 
104  75 

104  92 

105  11 
105  31 

! 

105  53 

105  75 

106  00 
106  28 
106  58 

106  90 

107  26 

107  65 

108  08 

108  55 

109  07 

109  65 

110  30 

111  01 

111  81 

112  68 

113  64 

114  70 

115  86 

117  14 

118  54 

120  09 

121  78 
123  64 
125  70 

127  96 
130  4-5 
1.33  19 
136  20 
139  52 


220  54 
220  70 

220  85 

221  01 
221  18 

221  37 
221  57 

221  78 

222  01 
222  26 

222  53 

222  83 

223  15 
223  49 

223  87 

224  28 

224  74 

225  25 

225  81 

226  43 

227  12 

227  88 

228  71 

229  61 

230  61 

231  70 

232  89 

234  19 

235  62 
I  237  19 

238  92 
240  81 
242  87 
245  14 
247  64 


1  143  16    250  37 


Age. 

20  to 
25 
26 
27 
28 
29 

30 
31 
32 
3:3 
»4 

35 
36 
37 


14 


The  Mtjttjal  Life  Insurance  Company 

 OF  New  York.  

PREMIUM  KATES  TOR  AN  INSURANCE  OP  $1000. 

Other  amounts,  from  $200  to  $30,000,  in  same  proportion. 
jafDOWMENT  POLICIES  PAYABLE  AS  LNDICATED  OR  AT  DEATH  IF  PRIDE. 


CONTINUED  HALF-ANNUAL  PAYMENTS. 


Age. 

In 
35  yrs. 

In 
30  jn. 

In 
25  yn. 

In 
aoyrs. 

In 
16  years. 

In 
10  years. 

In 
6  years. 

Age. 

20  to 

20  to 

25 

813  69 

'15 

91  S19 

33 

iOI 
v-4 

OO 

U4 

S114  37 

25 

25 

13  81 

"l6 

02 

19 

42 

24 

87 

34 

40 

54 

10 

114  43 

26 

27 

13  95 

16 

13 

19 

51 

24 

95 

34 

47 

54 

17 

114  49 

27 

28 

14  10 

16 

25 

19 

62 

25 

04 

34 

55 

54 

23 

114  55 

28 

29 

14  26 

16 

38 

19 

73 

25 

13 

34 

63 

54 

30 

114  61 

29 

30 

14  44 

1  R 
ID 

53 

19 

85 

25 

24 

34 

72 

54 

QQ 

OO 

114  68 

30 

31 

14  63 

16 

68 

19 

98 

25 

35 

34 

82 

54 

47 

114  76 

31 

32 

14  84 

16 

86 

20 

12 

25 

47 

34 

93 

54 

56 

114  84 

32 

33 

15  07 

17 

05 

20 

27 

25 

60 

35 

03 

54 

66 

114  92 

33 

34 

15  32 

17 

26 

20 

44 

25 

74 

35 

15 

54 

76 

115  01 

34 

35 

15  60 

17 

49 

20 

63 

53 

.30 

OS 
Zo 

54 

Q7 

115  11 

35 

36 

15  90 

17 

74 

20 

84 

26 

06 

35 

42 

54 

99 

115  22 

36 

37 

16  24 

18 

02 

21 

06 

26 

24 

35 

57 

55 

12 

115  33 

37 

38 

16  60 

18 

32 

21 

31 

26 

45 

35 

74 

55 

27 

115  45 

38 

39 

17  00 

18 

66 

21 

59 

26 

68 

35 

92 

55 

42 

115  57 

39 

40 

17  45 

19 

03 

21 

89 

26 

93 

oO 

lo 

55 

59 

115  71 

40 

41 

19 

44 

22 

23 

27 

20 

36 

36 

55 

78 

115  87 

41 

42 

19 

89 

22 

69 

27 

50 

36 

61 

55 

98 

116  04 

42 

43 

20 

38 

23 

02 

27 

84 

36 

88 

56 

20 

116  22 

43 

44 

20 

92 

23 

46 

28 

21 

37 

18 

56 

45 

116  41 

44 

45 

21 

51 

23 

96 

OQ 
ZB 

RO 
DZ 

Q7 
ol 

OZ 

fiR 
Do 

/Z 

116  62 

45 

46 

24 

52 

29 

08 

37 

89 

57 

02 

116  87 

46 

47 

25 

13 

29 

58 

38 

30 

57 

36 

117  13 

4/ 

48 

25 

80 

30 

14 

38 

76 

57 

73 

117  42 

48 

49 

26 

54 

30 

76 

39 

27 

58 

14 

117  75 

49 

50 

27 

35 

31 

44 

Ott 

OO 

58 

60 

118  10 

50 

51 

32 

19 

40 

44 

59 

10 

118  50 

51 

52 

33 

01 

41 

14 

59 

65 

118  94 

52 

53 

33 

92 

41 

87 

60 

25 

119  40 

53 

54 

34 

92 

42 

69 

60 

91 

119  92 

54 

55 

36 

00 

43 

59 

61 

64 

120  48 

55 

56 

44 

58 

62 

45 

121  10 

56 

57 

45 

68 

63 

33 

121  78 

57 

58 

46 

88 

64 

30 

122  52 

58 

59 

48 

20 

65 

37 

123  34 

59 

60 

49 

66 

66 

54 

124  24 

60 

61 

67 

84 

125  22 

61 

62 

69 

26 

126  29 

62 

63 

70 

83 

127  48 

63 

64 

72 

55 

128  78 

64 

6S 

74 

45 

130  20 

65' 

as 


The  Mutual  Life  Insurance  Company 

.  OF  New  York.  

PREMIUM  RATES  TOR  AN  INSURANCE  OF  $1000. 

Other  amounts,  from  $200  to  $:iO,<-KX),  in  same  prop<.rtion. 

ENDOWMiiNT  i'oLici::s  PAYABLE  AS  ini>icati:d  or  at  i>i:atii  if  prior. 


COXTIXCED  QUARTER-AXXUAL  PAYMEXT8. 


In  1 

In 

In  1 

In  1 

la 

In  1 

In 

Age. 

SSyrs. 

30  jn. 

SSyra. 

SO  yn.   IS  yean. 

10  yean.  ; 

6  year*. 

Age. 

20  to 

1 

?12  64I 

Yolo 

25 

?6  98   ?8  11 

S9  8.1! 

817  50 

S27  54 

?58  29 

25 

26 

7  04 

8  10 

9  9.Ji 
9  9.1 

12  68 

17  53 

27  57 

58  32 

26 

27 
28 

7  11 

8  22 

12  72 

17  57 

27  60 

58  35 

27 

7  18 

8  28 

10  00 

12  76 

17  61 

27  64 

58  38 

28 

29 

7  27 

8  oo 

10  06 

12  80 

17  65 

27  67 

58  41 

29 

30 

7  36 

8  42 

10  12 

12  86 

17  70 

27  71 

58  44 

30 

31 

7  45 

8  50 

10  18; 

12  92 

17  75 

27  76 

58  48 

31 

32 

7  56 

8  59 

10  25 

12  98 

17  80 

27  80 

58  52 

32 

33 

7  03 

8  09 

10  33 

13  05 

17  8  .5 

27  85 

58  57 

33 

34 

7  81 

8  80 

10  42 

13  12 

17  91 

27  90 

58  62 

34 

35 

7  95 

8  91 

10  52' 

13  20 

17  98 

27  96 

58  67 

.35 

36 

8  10 

9  01 

10  02 

13  2« 

18  05 

28  02 

68  72 

.36 

37 
38 

8  27 
8  46 

9  18 

10  73 

13  37 

18  13 

28  09 

58  77 

37 

9  33 

10  80 

13  47 

18  22 

28  16 

58  83 

38 

39 

8  67 

9  50 

11  00 

13  59 

18  32 

28  24 

58  90 

39 

40 

8  89 

9  70 

11  15 

13  72 

18  42 

28  33 

58  97 

40 

41 

9  91 

11  3:{ 

13  86 

18  5:5 

28  43 

59  05 

41 

42 

10  14 

1 1  52 

14  02 

18  6fi 

28  53 

59  14 

42 

43 

10  39 

11  73 

14  19 

18  80 

28  64 

59  23 

43 

44 

10  Os 

11  96 

14  38 

18  95 

28  76 

59  33 

44 

45 

10  94 

12  22 

14  59 

19  12 

28  90 

59  44 

45 

46 

12  50 

^- 

19  31 

29  06 

59  50 

46 

47 

15  08 

19  52 

29  23 

59  09 

47 

48 

13  15 

15  36 

19  7") 

29  42 

59  84 

48 

49 

13  52 

15  68 

20  01 

29  63 

60  00 

49 

50 

13  98 

16  02 

20  30 

29  86 

60  18 

50 

61 

16  40 

20  61 

30  12 

60  39 

51 

62 

16  82 

20  95 

30  40 

60  61 

52 

53 

17  29 

21  34 

30  70 

60  85 

53 

64 

17  80 

21  75 

31  04 

61  10 

54 

55 

18-35 

22  22 

31  41 

61  40 

55 

56 

22  72 

31  82 

61  72 

56 

57 
58 

23  28 

32  27 

62  06 

57 

23  89 

32  77 

62  44 

58 

59 

24  56 

33  31 

62  86 

59 

60 

25  31 

33  91 

63  31 

60 

61 

34  57 

63  82 

61 

62 
63 

35  30 

64  36 

62 

36  10 

64  97 

63 

64 

36  97 

65  62 

64 

65 

37  94 

66  35 

65 

26 


The  Mutual  Life  Insurance  Company 
— —  OF  New  York.  • 

PEEMIUM  EATES  FOR  AN  INSUEANCE  OF  $1000. 

other  amounts,  from  $200  to  $30,000,  in  same  proportion. 
ENDOWMENT  POLICIES  PAYABLE  AS  INDICATED  OR  AT  DEATH  IF  PRIOR. 


ANNUAL  PAYMENTS  FOE  TEN  YEAKS. 


Age. 

In 
85  years. 

In 
88  years. 

In 
25  years. 

In 
20  years. 

In 
ISyears. 

In 
10  years. 

20  to 

« 

20  to 

25 

$52 

50 

$58 

14 

$65 

64 

$75  39 

$87  92 

$103 

91 

25 

26 

52 

82 

58 

39 

65 

83 

75  54 

88  05 

104 

03 

26 

27 

53 

17 

58 

65 

66 

04 

75  71 

88  19 

104 

16 

27 

28 

53 

54 

58 

94 

66 

26 

75  89 

88  34 

104 

29 

28 

29 

53 

95 

59 

25 

66 

50 

76  08 

88  50 

104 

43 

29 

30 

54 

40 

59 

60 

66 

76 

76  29 

88  67 

104 

58 

30 

31 

54 

90 

59 

98 

67 

06 

76  52 

88  86 

104 

75 

31 

32 

55 

44 

60 

39 

67 

37 

76  76 

89  06 

104 

92 

32 

33 

56 

03 

60 

84 

67 

70 

77  02 

89  27 

105 

11 

33 

34 

56 

67 

61 

33 

68 

08 

77  30 

89  50 

105 

31 

34 

35 

57 

37 

61 

87 

68 

49 

77  62 

89  75 

105 

53 

35 

36 

58 

13 

62 

4G 

68 

93 

77  95 

90  02 

105 

75 

36 

37 

58 

96 

03 

10 

69 

42 

78  33 

90  31 

106 

00 

37 

38 

59 

86 

63 

81 

69 

96 

78  73 

90  63 

106 

28 

38 

39 

60 

84 

64 

59 

70 

56 

79  18 

90  98 

106 

58 

39 

40 

61 

90 

65 

44 

71 

21 

79  68 

91  37 

106 

90 

40 

41 

66 

37 

71 

93 

80  23 

91  79 

107 

26 

41 

42 

67 

39 

72 

72 

80  83 

92  26 

107 

65 

42 

43 

OS 

50 

73 

58 

81  49 

92  78 

108 

08 

43 

44 

<;q 
oy 

7  A 
10 

74 

54 

82  22 

93  34 

108 

55 

44 

45 

71 

01 

75 

58 

83  03 

93  97 

109 

07 

45 

46 

76 

74 

83  93 

94  67 

109 

65 

46 

47 

78 

01 

84  92 

95  46 

110 

30 

47 

48 

79 

39 

86  02 

96  31 

111 

01 

48 

49 

80 

90 

87  22 

97  27 

111 

81 

49 

50 

82 

54 

88  54 

98  32 

112 

68 

50 

61 

89  99 

99  48 

113 

64 

51 

52 

91  58 

100  74 

114 

70 

52 

53 

93  30 

102  14 

115 

86 

53 

64 

95  19 

103  67 

117 

14 

54 

65 

97  24 

105  34 

118 

54 

55 

66 

107  18 

120 

09 

56 

57 

109  20 

121 

78 

57 

68 

111  41 

123 

64 

58 

69 

113  83 

125 

70 

59 

60 

116  49 

127 

96 

60 

61 

130 

45 

61 

62 

133 

19 

62 

63 

136 

20 

63 

64 

139 

52 

64 

65 

143 

16 

65 

»7 


The  Mutual  Life  Ixsurance  Company 

 OF  New  York.  • 

PEEMIUM  EATES  FOR  AN  IN8UEANCE  OF  $1000. 

OlliLT  arnouiilB,  fioin  $2M  to  ii^iD.m),  in  saine  proj.ortion. 
EKDOWMKNT  POLICIES  PAYAULK  AS  IMilCATKD  OK  AT  DKATH  IK  PRIOR. 


HALF-ANNUAL  PAYMENTS  FOR  TEN  YEARS. 


Age.  1 

In 
86  yean. 

In 
80  jean. 

In 
26  yean. 

In  1 
>0  yeara. 

In 
15  yeara 

la 

— y**"- 

Age. 



20  to 

1 

20  to 

25 
26 

S27  30 

?30  24  1 

$34  13 

839  20 

$45  72 

$54  04 

25 

27  47 

30  37 

34  23 

39  28 

45  79 

54  10 

26 

27 
28 

27  6  J 

30  50 

34  34 

39  37 

45  86 

54  17 

27 

27  84 

:w  6  .5 

34  46 

39  46 

45  94 

54  23 

28 

29 

28  06 

30  81 

34  58 

39  56 

46  02 

54  30 

29 

30 

28  29 

30  99 

34  72 

39  67 

46  11 

54  38 

.30 

31 

28  55 

31  19 

34  87 

39  79 

46  2  ; 

54  47 

31 

33 

28  83 

31  4) 

35  03 

39  92 

46  31 

54  5;; 

32 

29  14 

31  61 

35  20 

40  05 

46  42 

54  63 

33 

34 

29  47 

31  89 

35  40 

40  20 

46  54 

54  76 

34 

35 
36 

29  83 

32  17 

35  62 

40  36 

46  67 

54  87 

35 

30  23 

32  48 

35  8.1 

40  54 

46  81 

54  9J 

36 

38 

30  66 

32  81 

36  10 

40  73 

46  9  J 

55  12 

37 

31  13 

33  18 

36  38 

40  94 

47  13 

55  27 

38 

39 

31  64 

33  59 

36  69 

41  18 

47  31 

55  42 

39 

40 

32  19 

34  03 

37  03 

41  44 

47  51 

55  59 

40 

41 

^  52 

37  40 

41  72 

47  73 

55  78 

41 

AO 

35  05 

37  82 

42  03 

47  98 

55  98 

42 

43 

35  62 

38  26 

42  38 

48  25 

56  20 

43 

44 

36  25 

38  76 

42  76 

48  54 

56  45 

44 

45 

*36  93 

39  30 

43  18 

48  87 

56  72 

45 

46 

39  93 

43  65 

49  23 

57  02 

46 

47 

40  57 

44  16 

49  64 

57  36 

47 

48 

41  29 

44  73 

50  08 

57  73 

48 

49 

42  07 

45  36 

50  58 

58  14 

49 

50 

42  96 

46  04 

51  13 

58  60 

50 

51 

46  83 

51  73 

59  10 

51 

47  62 

52  39 

59  6j 

52 

53 

48  52 

53  12 

60  2.5 

53 

54 

49  50 

53  91 

60  91 

54 

55 

50  57 

54  78 

61  64 

55 

56 

55  74 

62  45 

56 

57 

56  79 

63  33 

57 

58 

57  94 

64  30 

58 

69 

59  19 

65  37 

59 

60 

60  58 

66  54 

60' 

61 

67  81 

61 

62 

63  26 

62 

63 

70  83 

63 

64 

72  55 

64 

65 

74  45 

65 

28 


The  Mutual  Life  Itstsurance  Company 

 —  — — — OF  New  York.  

PREMIUM  EATE3  FOR  AN  INSUEAUCE  OF  $1000. 

Other  amounts,  from  $200  to  $30,000,  in  same  proportion. 
iaiDOWM::NT  policies  payable  as  indicated  or  at  death  if  priok. 


QU  XRTER-AN'NUAL  PAYMENTS  FOR  TEN  YEARS. 


Age. 

— 

I II 

36  years. 

30  years. 

lu 
25  years. 

I II 

1  u 

20  years. 

In 

15  yi-ars. 

In 
10  yoars. 

Age. 

to 

20  to 

S13  92 

§15 

41 

SI  7 

40 

S19  98 

Coo  OA 

5f23  30 

$27 

54 

25 

26 

14  00 

15 

48 

17 

45 

20  02 

23  33 

27 

57 

26 

27 

14  09 

15 

55 

17 

50 

20  06 

23  37 

27 

60 

27 

14  19 

15 

62 

17 

56 

30  11 

23  41 

27 

64 

28 

14  30 

15 

70 

17 

62 

20  16 

23  45 

27 

67 

29 

fin 

14  42 

15 

80 

17 

69 

20  22 

23  50 

27 

71 

30 

31 

14  55 

15 

90 

17 

77 

20  28 

23  55 

27 

76 

31 

32 

14  69 

16 

00 

17 

85 

20  34 

23  60 

27 

80 

32 

Co 

14  85 

16 

12 

17 

94 

20  41 

23  66 

27 

85 

33 

15  02 

16 

25 

18 

04 

20  49 

23  72 

27 

90 

34 

oO 

15  20 

16 

40 

18 

15 

20  57 

23  79 

27 

96 

35 

36 

15  40 

16 

55 

18 

27 

20  66 

23  86 

28 

02 

36 

37 

15  62 

16 

72 

18 

40 

20  76 

23  93 

28 

09 

37 

9a 

OO 

15  86 

16 

91 

18 

54 

20  86 

24  02 

28 

16 

38 

QQ 

oy 

16  12 

17 

12 

18 

70 

20  98 

24  11 

28 

24 

39 

40 

16  40 

17 

35 

18 

87 

21  11 

24  21 

28 

33 

40 

41 

17 

59 

19 

06 

21  26 

24  33 

28 

43 

41 

42 

17 

86 

19 

27 

21  42 

24  45 

28 

53 

42 

43 

18 

15 

19 

50 

21  60 

24  59 

28 

64 

43 

44 

18 

47 

19 

75 

21  79 

24  74 

28 

76 

44 

45 

18 

82 

20 

02 

22  00 

24  90 

28 

90 

'45 

46 

20 

31 

22  24 

25  09 

29 

06 

46 

47 

20 

67 

22  50 

25  30 

29 

23 

47 

48 

21 

04 

22  80 

25  53 

29 

42 

48 

49 

21 

44 

23  12 

25  78 

29 

63 

49 

50 

21 

91 

23  46 

26  06 

29 

86 

50 

51 

23  85 

26  36 

30 

12 

51 

62 

24  27 

26  70 

30 

40 

52 

Oo 

24  73 

27  07 

30 

70 

53 

54 

25  22 

27  48 

31 

04 

54 

55 

25  77 

27  92 

31 

41 

55 

56 

28  40 

31 

82 

56 

57 

28  94 

32 

27 

57 

58 

29  53 

32 

77 

58 

59 

30  16 

33 

31 

59 

60 

30  87 

33 

01 

60 

61 

34 

57 

61 

62 

35 

30 

62 

63 

38 

10 

63 

64 

36 

97 

64 

65 

37 

94 

65 

29 


The  Mutual  Life  Insurance  Company 


 OF  New  York.  

PREMIUM  EATE3  FOR  AN  INSURANCE  OF  $1000. 

other  amount.'*,  from  $i>t)  to  Ji-t.UJU,  in  oaiiK.-  proportion. 
ElffDOWMENT  POLICIES  PAYABLE  AS  I.MJICATEU  OK  AT  DEATH  IF  PB 


ANNUAL  PAYMENTS  FOR  FIVE  YEARS. 


itge. 

lu  1 
ssyfan.  | 

so  yean.  I 

In      1      •«>      1  '"I 
IS  yean.  1  20  je%n.  16  yean.  | 

In  1 
10  yean.  ] 

Age. 

'i^  to  , 
25 
26 
27 
28 
29 

$91  f.4  '( 

92  i:i 

92  68 

93  27 
93  92 

HOI  73  ^« 
102  09 
102  49 

102  92 

103  39 

115  14  '?132  f.7  8 
115  40  1  i:i2  7G  i 

115  69  1  132  98 

116  00  1  i:«  21 
116  34  1  133  45 

154  97  1 
1.")  12 
1.').^  28 

155  46 
155  64 

Si 83  57 
183  69 
183  82 

183  96 

184  10 

20  to 
2.5 
26 
27 
28 
29 

30 
31 
32 
33 
34 

94  63 

95  42 

96  27 

97  21 

98  23 

103  91 

104  48 

105  11 

105  79 

106  55 

116  71  1 

117  12 

117  57 

118  W 
118  58 

133  72 
i:u  01 

134  33 
i:i4  67 

135  04 

155  84 
150  05 

156  28 
156  53 
156  80 

184  26 
184  43 
184  61 

184  79 

185  00 

30 
31 
32 

3:i 

34 

35 
36 
37 
38 
39 

99  35 

100  56 

101  89 

103 

104  90 

107  38 

108  28 

109  28 

110  38 

111  58 

119  18 

119  82 

120  53 

121  32 

122  19 

1.^5  45 

135  90 

136  40 

136  94 

137  54 

157  09 
157  40 

157  75 
1.58  12 

158  54 

185  22 
185  45 
185  71 
185  99 
180  29 

35 
36 
37 
38 
39 

40 
41 
42 
43 
44 

106  60 

112  89 

114  33 

115  89 
117  60 
119  45 

123  14 

124  20 
12.1  35 
126  62 
128  02 

138  21 

138  94 

139  75 

140  64 

141  63 

158  99 
1.19  50 
IGO  05 

160  66 

161  33 

186  62 
180  98 

187  37 

187  79 

188  27 

40 
41 
42 
43 
44 

45 
46 
47 
48 
49 

121  46 

129  54 
131  22 
133  06 
135  06 
137  23 

142  72 

143  92 
145  2G 
14G  72 
148  33 

162  07 

162  90 
1G3  83 

164  8.5 

165  98 

188  78 

189  36 

190  01 

190  73 

191  52 

45 
46 
47 
48 
49 

60 
51 
62 
53 
54 

139  58 

150  10 
152  02 
154  11 
156  39 
158  85 

167  23 

168  60 
170  09 

1-1  7"^ 

1(1  lo 

173  53 

192  39 

193  36 

194  42 

195  58 

196  85 

50 
51 
52 
53 
54 

55 
66 
57 
58 
69 

161  51 

175  48 
177  62 
179  94 
182  47 
185  23 

198  25 

199  78 
201  45 
203  28 
205  29 

55 
56 
57 
58 
59 

60 
61 
62 
63 
64 

188  22 

207  50 
209  92 
212  55 
215  44 
218  60 

60 
61 
62 
63 
64 

65 

1 

i 

,    222  04 

65 

30 


The  Mutual  Life  Insurance  Company 
 OF  New  York.  


PREMIUM  RATES  FOR  AN  INSURANCE  OF  $1000. 

Other  amounts,  from  $200  to  $30,000,  in  same  proportion. 
ENDOWMENT  POLICIES  PAYABLE  AS  INDICATED  OR  AT  DEATH  IF  PRIOR. 


HALF-ANNUAL  PAYMENTS  FOR  FIVE  YEARS. 


Age. 

la 

la 

la 

In 

1 

In 

Age. 

36  years. 

30  years. 

25  years. 

20  years. 

16  years 

10  years. 

2o  to 

$59 

20  to 

25 

$47  65 

$52 

90 

88 

$88  94 

$80 

59 

$95  46 

25 

26 

47  91 

53 

09 

60 

01 

69  04 

80 

66 

95  52 

26 

27 

48  20 

53 

30 

60 

16 

69  15 

80 

95  58 

27 

28 

48  50 

53 

52 

60 

32 

69  27 

80 

84 

95  65 

28 

29 

48  84 

53 

76 

60 

50 

69  40 

80 

94 

95  73 

29 

30 

49  21 

54 

04 

60 

69 

69  54 

81 

04 

95  81 

30 

31 

49  62 

54 

33 

60 

90 

69  68 

81 

15 

95  90 

31 

32 

50  06 

54 

65 

61 

14 

69  85 

81 

27 

96  00 

32 

33 

50  55 

55 

01 

61 

39 

70  03 

81 

40 

96  10 

33 

34 

51  08 

55 

40 

61 

66 

70  22 

81 

54 

96  20 

34 

35 

51  66 

55 

84 

61 

97 

70  44 

81 

69 

96  31 

35 

36 

52  29 

56 

30 

62 

30 

70  67 

81 

85 

96  44 

36 

37 

52  98 

56 

81 

62 

67 

70  93 

82 

03 

96  57 

37 

38 

53  73 

57 

40 

63 

09 

71  21 

82 

22 

96  71 

38 

39 

54  55 

58 

02 

63 

54 

71  52 

82 

44 

96  87 

39 

40 

55  43 

58 

70 

64 

04 

71  87 

82 

68 

97  04 

40 

41 

59 

45 

64 

59 

72  25 

82 

94 

97  23 

41 

42 

60 

26 

65 

18 

72  67 

83 

23 

97  44 

42 

43 

61 

65 

84 

73  14 

83 

55 

97  66 

43 

44 

62 

12 

66 

57 

73  65 

83 

89 

97  90 

44 

45 

63 

16 

67 

36 

74  22 

84 

28 

98  17 

45 
46 

46 

68 

24 

74  84 

84 

71 

98  47 

47 

69 

19 

75  54 

85 

19 

98  80 

47 

48 

70 

23 

76  30 

85 

72 

99  17 

48 

49 

71 

36 

77  13 

86 

31 

99  59 

49 

50 

72 

58 

78  05 

86 

96 

100  05 

50 

51 

79  05 

87 

67 

100  55 

51 

52 

80  18 

88 

45 

101  10 

52 

53 

81  33 

89 

30 

101  70 

53 

54 

82  60 

90 

24 

102  36 

54 

55 

83  99 

91 

25 

103  09 

55 

56 

92 

36 

103  89 

56 

57 

93 

57 

104  76 

57 

58 

94 

89 

105  70 

58 

59 

96 

32 

106  75 

59 

60 

97 

88 

107  90 

60 

61 

109  16 

61 

62 

110  52 

62 

63 

112  03 

63 

64 

113  67 

64 

65 

115  46 

65 

3 


The  Mutual  Lifk  Insurance  Company 

 OF  New  York.  

PREMIUM  RATES  FOR  AN  INSURANCE  OF  $1000. 

Oiher  amuuiiis,  irom  $2iH)  to  $:j<J,(XJ«),  in  same  proportion. 
ENDOWMKNT  I'OLICII-S  PAYABLE  AS  INOICATICD  OK  AT  DEATH  IF  PRIOR. 


QUARTER-ANNUAL  PAYMENTS  FOR  FIVE  YEARS. 


Age. 

In  1 
SSyeara.  ' 

In  1 
SO  ye  AT* 

Id  I 
2Sje«n  1 

In 

20  y  can. 

In 

lu 
10  y«far». 

Age. 

20  to 

1 

1 

kO  to 

25 

$24  28  1 

S26  96  ; 

$30  51 

835  13 

(41  07 

$18  65 

25 

26 

24  41 

27  0.1  1 

30  58 

35  19 

41  10 

48  68 

26 

27 
28 

24  56 

27  10  1 

30  6G 

35  24 

41  15 

48  71 

27 

24  72 

27  27 

30  74 

35  30 

41  20 

48  75 

28 

29 

24  89 

27  40 

30  83 

35  37 

41  25 

48  79 

29 

30 

25  08 

27  54 

30  93 

35  44 

41  30 

48  83 

30 

31 

25  29 

27  G<J 

31  04 

35  52 

41  35 

48  87 

31 

QO 
0£ 

25  51 

27  85 

31  lo 

35  60 

41  41 

48  92 

32 

33 

25  76 

28  04 

31  28 

35  69 

41  48 

48  97 

33 

84 

26  03 

28  24 

31  42 

35  79 

41  55 

49  02 

34 

35 

26  32 

28  46 

31  58 

35  90 

41  63 

49  08 

35 

36 

26  65 

28  70 

31  75 

36  02 

41  71 

49  15 

36 

37 
38 

27  00 

28  9G 

31  94 

36  15 

41  80 

49  22 

37 

27  38 

29  25 

32  15 

36  29 

41  90 

49  29 

38 

39 

27  80 

»  57 

32  38 

36  45 

42  01 

49  37 

39 

40 

28  25 

29  92 

32  64 

36  63 

42  13 

49  45 

40 

41 

30  30 

32  92 

36  82 

42  27 

49  55 

41 

42 

30  71 

33  22 

37  04 

42  42 

49  66 

42 

43 
44 

31  16 

33  55 

37  27 

42  58 

49  77 

43 

31  66 

33  92 

37  53 

42  75 

49  89 

44 

45 

C2  21 

34  33 

37  82 

42  95 

50  02 

45 

46 

34  78 

38  14 

43  17 

50  18 

46 

47 

35  26 

38  50 

43  42 

50  35 

47 

48 

35  79 

38  88 

43  69 

50  55 

48 

49 

36  37 

39  30 

43  99 

50  76 

49 

50 

36  99 

39  75 

44  32 

50  99 

50 

51 

40  29 

44  68 

51  24 

51 

52 

40  86 

45  07 

51  52 

52 

53 

41  45 

45  51 

51  83 

53 

54 

42  10 

45  98 

52  17 

54 

55 

42  80 

46  50 

52  54 

55 

56 

47  07 

52  94 

56 

57 
58 

47  69 

53  39 

57 

48  33 

53  87 

58 

59 

49  09 

54  40 

59 

60 

49  88 

54  99 

60 

61 

55  63 

61 

62 

56  32 

62 

63 

57  09 

63 

64 

57  93 

64 

65 

58  84 

65 

3* 


The  Mutual  Life  Ii^suraxce  Company 

 OF  New  York.  

PREMIUM  KATES  FOR  AN  IITSUEANOE  OF  $1000. 

Other  amounts,  from  $200  to  $30,000,  in  same  proportion. 
ENDOWMENT  POLICIES  PAYABLE  AS  INDICATED  OR  AT  DEATH  IF  PRIOR. 


SINGLE  PAYMENTS. 


In 

lu 

III 

In 

In 

lu 

Age. 

85  years. 

30  years 

25  years. 

20  years 

15y 

ars. 

10  years. 

20  to 

20  to 

25 

$407  60 

S453 

58^ 

$514 

70 

.$594  16 

S696 

27 

cg2g 

64 

25 

26 

409  54 

92 

515 

58 

594  72 

696 

61 

^826 

83 

26 

27 

411  69 

4-56 

39 

516 

55 

595  34 

696 

99 

827 

03 

97 

28 

414  05 

4.58 

01 

517 

61 

596  01 

697 

38 

827 

26 

28 

29 

416  65 

459 

79 

518 

77 

596  74 

697 

81 

827 

4S 

29 

30 

419  51 

461 

76 

520 

06 

597  54 

698 

28 

827 

74 

30 

31 

422  66 

463 

94 

521 

48 

598  42 

698 

79 

828 

01 

31 

426  11 

466 

34 

523 

05 

599  37 

699 

34 

828 

30 

32 

33 

429  90 

468 

99 

524 

78 

GOO  43 

699 

94 

828 

60 

33 

34 

434  06 

471 

92 

526 

70 

601  60 

700 

61 

828 

95 

34 

35 

438  63 

475 

16 

528 

83' 

602  90 

701 

33 

829 

32 

35 

36 

443  60 

478 

71 

531 

19 

034  33 

702 

12 

829 

71 

36 

37 

449  03 

482 

64 

533 

80 

6O.5  92 

703 

00 

830 

15 

01 

38 

4.54  94 

486 

95 

5.36 

69 

607  CO 

703 

97 

830 

62 

38 

39 

461  36 

491 

69 

539 

90 

609  67 

705 

06 

831 

15 

39 

40 

468  31 

496 

89 

543 

45 

611  86 

706 

26 

831 

72 

40 

41 

.502 

58 

547 

37 

614  31 

707 

61 

832 

36 

41 

42 

508 

79 

551 

70 

617  02 

709 

11 

833 

06 

43 

515 

55 

556 

47 

620  04 

710 

79 

833 

80 

43 

44 

522 

89 

561 

71 

623  39 

712 

67 

834 

72 

44 

45 

530 

84 

567 

46 

627  11 

714 

76 

835 

70 

45 

46 

573 

75 

631  22 

717 

09 

836 

80 

46 

47 

580 

62 

63.5  76 

719 

70 

838 

03 

11 

48 

588 

07 

G40  74 

722 

58 

8.39 

39 

48 

49 

596 

13 

646  20 

725 

76 

840 

91 

49 

50 

604 

82 

6.52  16 

729 

28 

842 

59 

50 

51 

658  64 

733 

13 

844 

44 

51 

52 

737 

35 

846 

48 

^0 
oz 

53 

673  23 

741 

94 

848 

71 

53 

54 

681  39 

746 

95 

851 

16 

54 

55 

690  13 

752 

39 

853 

84 

55 

56 

758 

29 

85:. 

76 

56 

57 

764 

67 

859 

95 

57 

58 

771 

55 

43 

58 

59 

778 

.e 

867 

22 

59 

60 

786 

90 

871 

35 

60 

61 

875 

83 

61 

62 

880 

66 

62 

63 

885 

89 

63 

64 

891 

53 

64 

65 

897 

56 

65 

33 


The  Mutual  Life  Insurance  Company 
 OF  New  York.  


i! 
1^ 


¥ 

si 


"S. 

PAYABLE  AT  THE  AGE  OF 
TWENTY-FIVE. 

■ 

No  premiums 
relumed  in 
cajie  of  pre- 
vious death. 

i| 
Ml 

Is 

'iV 

I  i 

All  premiums 
returned  in 
case  of  pre- 
vious death. 

No  premiums 
relumed  In 
case  of  pre- 
vious death. 

C0> 

PAYABLE  AT  THE  AGE  OF 
^  EKiHTKEN. 

All  premiums 
returned  in 
case  of  pre- 
vious de.ith. 

No  premiums 
returned  in 
case  of  pre- 
vious daatli. 

•aov  XicasaHJ 

^  ^  «  ^  i/t  «     cc  o  o  ^        ;i; .  -  o    «  2  o 

34 


The  Mutual  Life  Insurance  Company 
 OF  New  York.  


o 
< 

PL. 

0 

o 
w 
u 
z 
< 

PC 

w 


CD  i-H  H 
<M  ^ 


-4^ 

t- 

o 

o 

o 

o 

o 

CO 

lO^ 

O 

cT 

r-^ 

00 

<M 

CO 

;h 

oo' 

<M 

3  ^ 


1^  «v- 


6  h 


be 
n3 


GO    <i5   n3  - 


fcJD  fcJO  ;z: 
C     C  o 

T  Ah 


o  o 
o  o 


O      53  o3 

H 


%H 

'3  ^ 

^ 

CC       03  C« 

o  o  5 


<-■ 

-tJ 

o 

o 

o 

!=! 

M 

a 

© 

.5 

CO 

o 

'o 

_o 

'o 

Ph 

o 

fi, 

G 

an 

*> 

a, 

S 

ft 

o 

O 

cn 
oi 

o 

35 


The  Mutual  Life  Ixsuranci:  Company 
 OF  New  York.  


GENERAL  AGENTS. 


II.  B.  MERRELL,  General  Agent  for  Michijjan,  Indiana.  Illinois, 
Wisconsin,  Iowa  and  Minnesota.  Address  Merrell  &.  Fer- 
guson, Detroit,  Mich. 

L,  SPENCER  GOBLE,  General  Agent  for  New  Jersey,  792  Broad 
Street,  Newark,  N.  J. 

A.  B.  FORBES,  General  Agent  for  Pacific  Coast,  San  Francisco,  Cal. 

O.  F.  BRESEE,  General  Apent  for  Virginia,  West  Virginia,  District 
of  Columbia,  Maryland,  Kentucky,  East  Tennessee,  Interior 
of  the  Carolinas,  Georgia  and  Alabama,  15  South  Street, 
Baltimore,  Md. 

JOHN  G.  JENNINGS,  General  Agent  for  Ohio.   Address  Jennings, 

Iliggins  &.  Brooks,  Cleveland,  Ohio. 
DERICK  L.  BOARDM AN,  General  Agent  for  Northern  and  Western 

New  York.   Address  Christie  <t  Boardman,  Troy,  N.  Y. 

JOHN  A.  LITTLE,  General  Agont  for  Now  York  City,  Lon?  Island 
and  Staten  Island.  Address  Little  &  Raymond,  l.i-2  Broad- 
way, New  York. 

JOHN  W.  NICHOLS,  General  Agent  for  Connecticut,  New  Haven, 
Conn. 

FAYETTE  P.  BROWN,  General  Agent  for  Vermont,  and  the  Coun- 
ties of  Dutchess,  Ulster,  Orange,  Putnam,  Westchester,  Rock- 
land, Sullivan,  D:laware,  Broome,  Tioga,  and  Chemung,  in 
State  of  New  York,  Yonkers,  N.  Y. 

AMOS  D.  SMITH,  M,  General  Agent  for  Massachusetts,  Boston; 
and  for  Rhode  Island,  Providence. 

W.  D.  LITTLE,  General  Agent  for  Maine  and  New  Hampshire,  Port- 
land, Me. 

F.W.VANUXEM,  General  Agent  for  Pennsylvania  and  Delaware. 

Address  Vanuxem,  Bates  &  Lambert,  402  Walnut  Street, 

Philadelphia,  Pa. 
BYRON  SHERMAN,  General  Agent  for  Missouri,  Kansas,  Nebraska, 

Colorado,  and  Western  Arkansas,  and  Montana,  Dakota,  and 

Wyoming  Territories,  St.  Louis,  Mo. 


3F 


FAYETTE  P.  BROWN, 

General  Ajcjit, 
-Y  O  N  K  E  R  8,  N.  Y. 


RUTLAND,  VT. 


